hey prescott.
See what you qualify for

Capitol Federal Closing Cost Assistance

Community Housing of Wyandotte County (CHWC) dba Build WyCo, in partnership with Capitol Federal Savings Bank · Multiple (Kansas City metro), Kansas

Last verified
See what you qualify forOfficial program site →
Assistance

$1,500

The maximum the program publishes — not an offer

Repayment

Grant

Not repaid

What is Capitol Federal Closing Cost Assistance?

Capitol Federal Closing Cost Assistance is a grant for homebuyers in Multiple (Kansas City metro), Kansas, administered by Community Housing of Wyandotte County (CHWC) dba Build WyCo, in partnership with Capitol Federal Savings Bank.

  • A closing-cost assistance grant of up to $1,500 offered through a partnership between Community Housing of Wyandotte County (Build WyCo) and Capitol Federal Savings Bank. There are no income qualifications; eligibility is based on the subject property being located in a low-income census tract in the Kansas City metro area. Borrowers must pre-qualify for a mortgage with Capitol Federal and complete Build WyCo's HUD-approved homebuyer education course. The grant has no retention/recapture period and does not have to be repaid.
  • Up to $1,500 toward closing costs.
  • No income limits.
  • No repayment / no retention period.
  • Homebuyer education class fee covered.
  • Available to non-Kansas residents within the metro.
  • Funding comes from Capitol Federal Savings Bank (private bank grant via CHWC/Build WyCo partnership).

How much assistance does it provide?

Capitol Federal Closing Cost Assistance offers up to $1,500 in assistance.

  • The program can be combined with May combine with other CHWC/Build WyCo purchase assistance (confirm with loan officer).
  • Amounts are the program's published maximums, not an offer — Community Housing of Wyandotte County (CHWC) dba Build WyCo, in partnership with Capitol Federal Savings Bank determines any individual award.

Do you have to pay it back?

Capitol Federal Closing Cost Assistance is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Capitol Federal Closing Cost Assistance is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Build WyCo HUD-approved homebuyer education course (class fee covered by the grant).
  • Residency: None stated; open to non-Kansas residents if the property is in a qualifying KC-metro low-income census tract.
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Mortgage must be through Capitol Federal Savings Bank only. Property must be confirmed in a low-income census tract via the FFIEC geomap tool before applying; buyer must have a home already selected. Min credit score, DTI, purchase-price caps, and new-construction/manufactured eligibility are not published — confirm with Build WyCo or Capitol Federal.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Capitol Federal Closing Cost Assistance sets its income limit as follows: No income limits — eligibility is based on the subject property being located in a low-income census tract in the Kansas City metro area, not on borrower income.

  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Capitol Federal Closing Cost Assistance can be used for Single Family.

Where does it apply?

Capitol Federal Closing Cost Assistance serves buyers purchasing in Multiple (Kansas City metro), Kansas.

  • The program targets specific areas: Low-income census tracts within the Kansas City metro area (per FFIEC geomap).

How do you apply?

Applications for Capitol Federal Closing Cost Assistance go through Community Housing of Wyandotte County (CHWC) dba Build WyCo, in partnership with Capitol Federal Savings Bank, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Build WyCo HUD-approved homebuyer education course (class fee covered by the grant)..

  2. Contact Community Housing of Wyandotte County (CHWC) dba Build WyCo, in partnership with Capitol Federal Savings Bank to reserve funds

    Funds are reserved through Applied for through the borrower's Capitol Federal loan officer at mortgage application., and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs